<![CDATA[This study was conducted to compare the effects of financial literacy, financial status, self-control, and consumer behavior on the decision to use Shopee PayLater among Generation Z and Millennials in the Madiun Regency. This phenomenon is crucial to study given the rapid growth of the fintech sector, which is accompanied by the risks of debt accumulation and excessive consumption among young people. This study employs an explanatory quantitative approach. Data were collected through a questionnaire survey of 384 respondents, determined using Cochran’s formula and selected via purposive sampling. Data analysis was performed using SPSS 25 software through a series of tests, including data quality checks, classical assumptions, multiple linear regression, and hypothesis testing (t-test). The results indicate that all independent variables have a significant effect on Generation Z’s Shopee PayLater usage decisions, whereas among Millennials, consumptive behavior does not have a significant effect. This study concludes that high levels of financial literacy and self-control serve as internal regulatory mechanisms that encourage individuals to use digital credit services more wisely and in a planned manner to maintain long-term financial stability.]]>
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